Disclosures & Compliance

NMLS Licensing
Sabrina Montalvo, NMLS ID #575897
Powered by EZ Fundings Mortgage, NMLS ID #[1156892]
For licensing information, please visit the NMLS Consumer Access website.

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Real Estate Settlement Procedures Act (RESPA)

In compliance with the Real Estate Settlement Procedures Act, Valuable Lending and EZ Fundings do not pay or receive any referral fees, kickbacks, or unearned compensation. All settlement charges will be clearly disclosed in accordance with federal law.

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Equal Credit Opportunity Act (ECOA)

We are an Equal Housing Lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or the exercise of rights under the Consumer Credit Protection Act.

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Fair Housing / FHA Disclosure

FHA loans are insured by the U.S. Department of Housing and Urban Development (HUD). Borrowers must meet FHA eligibility and program requirements. HUD promotes fair housing and equal opportunity for all applicants.

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“Not a Commitment to Lend” Disclaimer

All loans are subject to credit approval, verification, and program guidelines. Rates and terms may vary depending on individual qualifications. This is not a commitment to lend.

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Confidentiality Notice

Any information submitted through this website will be kept confidential and used solely for the purpose of providing mortgage and financial services. We will not sell or distribute your personal information without your consent, except as required by law.​​​